Know Your Rights

IMPORTANT INFORMATION ABOUT YOUR DEBT

We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.

This is an attempt to collect a debt and any information obtained will be used for that purpose. This is a communication from a debt collector. Calls to and from this company may be monitored or recorded.

COLORADO RESIDENTS: Colorado office address and telephone number: 1776 S. JACKSON STREET #900 DENVER, CO 80210 TELEPHONE: 720-287-8670

CONNECTICUT RESIDENTS: This collection agency is licensed in Connecticut, License Numbers: CCA-908470, CCA-BCH-940776, CCA-BCH-940840

MARYLAND RESIDENTS: This agency is licensed as NMLS ID # 988026. For more information or to verify license status, visit the NMLS Consumer Access website at https://www.nmlsconsumeraccess.org/

MASSACHUSETTS RESIDENTS: NOTICE OF IMPORTANT RIGHTS. You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector.

NEW YORK RESIDENTS: If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: (1) Supplemental Security Income (SSI); (2) Social Security; (3) public assistance (welfare); (4) spousal support, maintenance (alimony), or child support; (5) unemployment benefits; (6) disability benefits; (7) workers’ compensation benefits; (8) public or private pensions; (9) veterans’ benefits; (10) federal student loans, federal student grants, and federal work study funds; and (11) ninety percent of your wages or salary earned in the last sixty days.

Contact MARCO COVARRUBIAS at TRANSWORLD SYSTEMS INC. at 800-456-4729

This collection agency is licensed by the Department of Consumer Affairs of the City of New York; License 2089942-DCA, 2089925-DCA, 2089930-DCA, 2089931-DCA, 2089927-DCA

Please contact us to confirm your preferred language for future communications. All communications are in English with the following exception which may vary by creditor: Spanish-speaking agents are available by phone upon request and other telephone translations may be available through Language Line Solutions, a third party service provider. Written communications may be available in Spanish upon request. A translation and description of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca.

Please contact us to confirm your preferred language for future communications. We do not provide translation services at this time.

NORTH CAROLINA RESIDENTS: This agency is licensed by the North Carolina Department of Insurance: License # 113909, 113917, 113908, 113911,113918

TENNESSEE RESIDENTS: This collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance Permit Number: 2278